About Us

Sierra Finance is a full service finance company with a variety of financing alternatives to address the capital needs of businesses like yours.
We provide personalized working capital solutions to businesses in a variety of industries. Sierra Finance prides itself in providing customized financing solutions at competitive rates and excellent customer service.Read More

Fast & simple application

Unlike a bank, Sierra Finance is not limited to regular financing options with rigid requirements. We are here to help evaluate your funding needs and customize a plan that works specifically for your company.

Personal Service

At Sierra Finance, you can count on us to work quickly and professionally to address your funding needs.

Not like a loan

Factoring is far simpler and faster than typical bank financing. With factoring, there are no monthly payments, no new debts, and no lengthy approval process.

Sierra Finance provides flexible financing that grows directly with your business; our customized funding and factoring services offer an instant cash advantage that was once only available to large companies. We can assist your business build the necessary working capital to meet those critical deadlines and expand your operation.

Services

Sierra Finance provides flexible financing that grows directly with your business; our customized funding and factoring services offer an instant cash advantage that was once only available to large companies. We can help your small business build its financial confidence especially if you have been close to missing payroll or delayed paying critical suppliers due to limited cash flow.

Eliminate collections
100%

More flexibility
100%

Flexible Funding
100%

No Hidden Fees
100%

We are a full service finance company specializing in Accounts Receivable Financing (Factoring). Sierra Finance is proud to provide working capital solutions for a wide range of industries, including the government sector, apparel, manufacturing, food distribution services, and telecommunication industries.

Up to 95% Advance Rate

95%

Same day funding

100%

Instant credit verification

100%

Not all companies fit in a box like most financial institutions would like. Unlike a bank, Sierra Finance is not limited to regular financing options with rigid requirements. We are in a position to help evaluate your funding needs and customize a plan that works specifically for your company and your financial circumstances no matter what type of business you are operating.
Additionally, our factoring services can provide you the instant cash advantage to help your company grow. With factoring, there is automatic access to credit and collection services which can allow you to focus on the important elements of your company.

"The staff of Sierra Finance are very kind, they always make us feel very comfortable. They try to help and make the process very smooth, and fast. It is a pleasure to do business with them."

- CARLA OLVERA, CLL – Transport, LLC

"My special thanks to you and your team for the wonderful job with factoring the invoices for Santa Barbara Express. We share our success this year with you because you have made a great impact on the work we do with our staff and colleagues. The extra time and effort you put in were certainly appreciated week after week. It is a joy for me to work with such dedicated and talented people such as yourself."

- ROSELLA DE LARA,Santa Barbara Express

What is Factoring

Factoring is the selling of a business's commercial accounts receivable for immediate cash. A factoring company pays the business a percentage of the value of the accounts receivable and deducts a fee for the cost of factoring. The factoring company will then collect all receivables for their client. Factoring also allows businesses automatic access to credit and collection services with no need to spend profits on maintaining accounts receivables.

More specifically, factoring provides you with the funds to cover business expenses. The financing transaction is settled once your client pays. You conduct business as usual; delivering product or service to your client then generating an invoice, the factoring company advances you up to 95% of the invoice, the remainder is held in reserve. Once your client pays the invoice, you receive the remaining percentage of the invoice, less a small financing feel.